# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L103957  
Phone: (239) 323-0785 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

---

# Best Builders Risk Insurance Companies in Florida (2026)

This guide compares the top builders risk insurance carriers and programs available for Florida construction projects, based on coverage breadth, hurricane appetite, pricing, and claims handling.

**Note:** Bright Coast Insurance is an authorized US Assure builders risk agency. US Assure is the largest builders risk program administrator in the United States.

## Top Florida Builders Risk Carriers

### 1. US Assure (Zurich Insurance)
**Best for:** New construction and major renovation projects statewide  
**AM Best Rating:** A+ (Superior) — Zurich  
**Estimated Rate:** $1.20–$5.50 per $100 of insured value (inland); $3.00–$10.00 (coastal/HVHZ)  
**Strengths:** Largest builders risk program in the US, strong hurricane appetite, covers soft costs, flexible policy terms (3–24 months), available statewide including Miami-Dade HVHZ  
**Watch-outs:** Minimum insured values apply; not ideal for very small projects under $50,000  
**Bright Coast is an authorized US Assure agency** — we can quote and bind US Assure builders risk directly.

### 2. Markel Insurance
**Best for:** Custom homes and high-value residential construction  
**AM Best Rating:** A (Excellent)  
**Strengths:** Strong appetite for high-value custom homes, flexible coverage options, competitive coastal rates  
**Watch-outs:** Higher minimum premiums for some programs  

### 3. Nationwide Insurance
**Best for:** Small residential remodels and additions  
**AM Best Rating:** A+ (Superior)  
**Strengths:** Accessible for smaller projects, bundling discounts available with homeowners policies  
**Watch-outs:** Limited appetite for large commercial construction  

### 4. Travelers Insurance
**Best for:** Large commercial construction projects  
**AM Best Rating:** A++ (Superior)  
**Strengths:** Strong capacity for large commercial projects, experienced claims handling, broad coverage options  
**Watch-outs:** Higher minimum premiums; focused on larger commercial projects  

### 5. Lexington Insurance (AIG)
**Best for:** High-value or complex projects in coastal/HVHZ areas  
**AM Best Rating:** A (Excellent)  
**Strengths:** Surplus lines capacity for difficult-to-place coastal projects, high limits available  
**Watch-outs:** Surplus lines carrier — not admitted in Florida; higher rates  

## Florida-Specific Considerations

- **HVHZ (Miami-Dade/Broward):** Requires carriers with specific HVHZ appetite. US Assure and Lexington are among the few carriers writing HVHZ builders risk.
- **Named-storm deductibles:** All Florida builders risk policies include a separate hurricane/named-storm deductible (1–10% of insured value depending on county).
- **Flood:** Builders risk does NOT cover flood. A separate NFIP or private flood policy is required by most lenders for projects in FEMA flood zones.

**Get a quote:** (239) 323-0785 | [Builders Risk Calculator](https://brightcoastins.com/builders-risk-calculator)



---

## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L103957) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 8 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*